More often than not, when I meet with a client coming to see me for a complimentary bankruptcy consultation, they advise me that they first attempted to use a debt consolidation company they saw advertised on TV. Unfortunately, if they are coming to see me, it means the company did not help them. Sometimes there were misrepresentations made to my clients. Other times, the clients simply did not understand the terms of the agreement.
Therefore, I have come up with the following questions you MUST ASK if you are considering hiring such a company:
1. How much is your fee and how is it determined?
2. When will you start settling my accounts?
3. Are you entitled to your fee even if you don't settle any of my accounts?
4. What happens if I am sued before you settle an account?
5. Do you pay for an attorney for me if I am sued?
6. How long will it take for you to settle my accounts?
7. What will you do for me if a creditors seeks to garnish my wages?
8. What will you do for me if a creditor levies on my bank accounts?
9. What will you do for me if a creditor seeks to repossess my car?
10. Will I get a refund of my payments if I change my mind and you haven't paid any of my creditors?
If you are not satisfied with the answers to these questions from the agency and are interested in exploring other alternatives, give my office a call at 941-206-3700 for a confidential, complimentary consultation to go over all of your options to get out of debt and have the opportunity for a fresh start.
